Scores here different than FCR

[Anonymous]

Hi patrickpires and welcome,

I've moved your post to start a new thread here. All I've changed is the title.

MarineVietVet, myFICO moderator

---

why do myfico scores differ so much from FCR.

Equifax here is 678 and over at FCR is 643 O.O

[marty56]

FCR does not provide a FICO score.  It is a FAKO score and can be ignored along with the advice they give to improve it.

[Crashem]

FCR is a FAKO.  Don't use it as a guide to what your real FICO score will be when you apply to a lender.  But it can be used as a guide to see how your credit is improving.  And I dont know about ignoring the advice it gives to improve score.  If I remember correctly, myfico and FCR gives similar advice off same credit file.

[MarineVietVet]

---

@Crashem wrote:

FCR is a FAKO.  Don't use it as a guide to what your real FICO score will be when you apply to a lender.  But it can be used as a guide to see how your credit is improving.  And I dont know about ignoring the advice it gives to improve score.  If I remember correctly, myfico and FCR gives similar advice off same credit file.

---

If, and it's a very big "if" FAKO scores always moved in the same direction as FICO scores in reaction to any particular action then you could use them to see trends. But FAKO's seem to have a mind of their own and can and often do move in the exact opposite direction as FICO's. Because of this you cannot rely on them for continued accuracy.

Ignore all FAKO scores and all FAKO advice all the time. You'll be much better off.

[marty56]

Also a FAKO score change might not even result in a FICO score change.  That lesson cost me $16 bucks.